What do medical expenses policies usually exclude?

Medical expenses policies typically exclude payments related to previous medical conditions, often referred to as "pre-existing conditions." This exclusion is in place because insurers want to manage risk by avoiding coverage for conditions that the insured already has prior to the policy coverage. Such conditions could represent significant financial liabilities, leading to higher costs for insurance providers. By excluding these costs, insurers aim to offer more affordable premiums and maintain a sustainable business model.

In the context of the other options, surgical procedures, dental treatments, and physiotherapy costs can often be covered by medical expenses policies, depending on the specific terms and conditions of the policy. Many policies provide coverage for necessary surgical procedures, certain types of dental treatments, and physiotherapy if they are deemed medically necessary. Each of these services can vary significantly in their coverage depending on the individual policy, but they do not face the same blanket exclusion that pre-existing conditions do.